Structuring Credit Lines That Meet Customer's Requirements and Mitigate Lender's
Risks (M102)

Programme Benefits
- Examine the key features of corporate banking facilities
- Understand the key risks in trade finance instruments
- Reduce credit risks through proper structuring of banking lines
- Tailor appropriate trade facilities with the borrower's terms of trade
- Know the key issues in structuring term facilities
- Avoid surprises - learn how to review the loan documents
- Learn how to use covenants to mitigate lending risks
- Evaluate the security options

Programme Outline
Insight into Corporate Facilities
- Loans
- Trade finance
. . . INCOTERMS 2000
. . . Documentation
. . . Methods of payment & risks
. . . Documentary collection
. . . Letter of credit
. . . Risks factors
. . . Types of L/Cs
. . . Bonds & guarantees

- Overview of treasury market and instruments

Structuring Working Capital Facility
- Determine working capital requirements
- Structure import facilities
- Structure export facilities
- Structure general short term lines
- Structure LC lines
- Structure FX lines
- Matching trade lines with borrowers' terms of trade

Structuring Term Loans
- Determining debt service ratio (DSR)
- Distinction between DSR and Debt Capacity
- Repayment structures

Security and Collateral Support
- Security analysis
- Types & methods of taking securities
- Security valuation

Legal Considerations
- Understanding the structure of legal agreements
- Use of covenants to mitigate lending risks

Duration: 3 Days
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